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Shocker: financial institutions want to know whether you have a good record of paying people back before deciding to lend you money
Is it really that simple? I once was stack in customer service hell with my internet provider where they weren't able to connect me but didn't want to cancel my service. I canceled the contract, they charged me some cancellation fees, I refused to pay, they sold my debt to a collector who was not able to collect anything but threatened that they will put me in some registry. Couple years later I was taking a mortgage and I asked in the bank if being in some registry could be an issue and they said that no, they don't care about unpaid $200 debt. With a generic credit score that's different. The bank will see a low score and might not care how did you get it. That gives leverage to debt collectors and shitty companies.
The "some registry" they put you in is probably made up. Credit reporting agencies don't just accept claims of debt or delinquent accounts from any random person who claims to be a debt collector. In many cases, if it isn't coming from a financial institution, they will need to see a court judgement before entering it on your credit report.